If price shopping Columbia auto insurance quotes online is new to you, it's easy to get overwhelmed by the vast assortment of local and online companies offering coverage in Columbia.

Insurance quote for Volvo XC90 in ColumbiaA recent study showed that the vast majority of car insurance customers kept buying from the same company for well over three years, and approximately 40% of consumers have never compared car insurance rates at all. Consumers in Columbia can save approximately $700 each year just by getting comparison quotes, but they underestimate the amount of savings they would get if they switched to a cheaper policy.

Choosing the most cost-effective car insurance policy in Columbia is actually not that difficult if you follow our advice. Essentially every vehicle owner who compares rate quotes for car insurance stands a good chance to find better rates. Although South Carolina vehicle owners can benefit by having an understanding of the way insurance companies compete online and apply this information to your search.

When comparison shopping, making a lot of price comparisons helps you find better pricing. Some insurance companies are not set up to provide online price quotes, so you should also compare rates on coverage from those companies, too.

The companies in the list below are ready to provide free quotes in Columbia, SC. If more than one company is shown, we recommend you visit two to three different companies in order to find the most competitive rates.

Volvo XC90 Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $256 $518 $320 $18 $96 $1,208 $101
XC90 3.2 R-Design 2WD $208 $434 $386 $22 $116 $1,166 $97
XC90 3.2 AWD $368 $742 $460 $28 $138 $1,736 $145
XC90 V8 AWD $302 $554 $352 $20 $106 $1,334 $111
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in Columbia location which can influence coverage prices significantly.

Policy deductibles

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below can help you understand the rate differences of buying low and high policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Volvo XC90 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $332 $624 $342 $20 $102 $1,445 $120
XC90 3.2 R-Design 2WD $332 $624 $342 $20 $102 $1,445 $120
XC90 3.2 AWD $370 $720 $342 $20 $102 $1,579 $132
XC90 V8 AWD $370 $720 $342 $20 $102 $1,579 $132
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Volvo XC90 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $242 $422 $342 $20 $102 $1,128 $94
XC90 3.2 R-Design 2WD $242 $422 $342 $20 $102 $1,128 $94
XC90 3.2 AWD $270 $486 $342 $20 $102 $1,220 $102
XC90 V8 AWD $270 $486 $342 $20 $102 $1,220 $102
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in Columbia location which can impact coverage prices significantly.

Based on the figures above, using a $100 deductible will cost you about $28 more each month or $336 every year than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claim filings, you would probably save some money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $126
Average monthly premium for $500 deductibles (subtract): - $98
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important issue to know is that a higher deductible results in having to pay to pay more out-of-pocket when you have to file a claim. That will necessitate some extra savings in the event you need to pay the higher deductible.

Volvo XC90 liability-only versus full coverage

The example below shows the comparison of Volvo XC90 car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no accidents or driving violations, $100 deductibles, married female driver, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no set rule that works best for making the decision to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Volvo XC90 replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying your policy deductible. If you are paying in excess of $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not financially feasible. If you haven't paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.

Comparison of policy deductibles

The information below demonstrates how deductibles and can impact Volvo XC90 insurance rates for each age group. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.

Save a ton on Volvo XC90 insurance in Columbia with these discounts

Some providers don't always advertise all their discounts in an easy-to-find place, so here is a list a few of the more common as well as the least known discounts that you can inquire about if you buy Columbia auto insurance online.Discount insurance

As a sidenote, most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, it just doesn't work that way.

To locate insurance companies with discount insurance rates in Columbia, follow this link.

Eight Things That Determine Your Insurance Rates

Many different elements are part of the equation when you get your auto insurance bill. Most are fairly basic like your driving record, although some other factors are less apparent such as your marital status or how safe your car is.

Shown below are some of the major factors utilized by car insurance companies to help set prices.

How your age affects prices - Young drivers in South Carolina tend to be more careless when at the wheel of a vehicle therefore car insurance rates are much higher. Parents adding a young driver to your policy can be very expensive. Older people are shown to be more cautious, are lower risk to insure, and get fewer tickets.

Lower rates for being claim-free - Insurance companies in South Carolina generally give most affordable rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Your insurance policy is designed for claims that pose a financial burden.

Your spouse saves you money - Being married actually saves money on your car insurance policy. It means you're less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.

Vocation and insurance prices - Jobs like fire fighters, business owners and stock brokers tend to have higher premium rates due to high stress and lots of time spent at work. Other careers like scientists, engineers and the unemployed get better rates.

Your car's features help determine car insurance rates - Driving a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft and help bring rates down.

Do safer cars cost less to insure? - Safe vehicles are cheaper to insure. Vehicles engineered for safety protect occupants better and fewer serious injuries translates directly to fewer claims which can mean better rates for you. If your Volvo XC90 scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Coverage deductibles are a factor - Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and damage from a fallen tree branch. The deductibles you choose define the amount you are willing to pay if you file a covered claim. The more damage repair cost the insured has to pay upfront, the less money you will pay for car insurance.

Insure car and home with the same company - Most car insurance companies give better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to ten percent or more. Even with this discount applied, it's still a good idea to get quotes from other companies to help guarantee you have the best rates.There is a chance you can find better rates by buying from different companies

You may need advice from an insurance agency

A lot of people still like to buy from a local agent and often times that is recommended A nice benefit of comparing insurance prices online is you may find lower auto insurance rates and also buy local.

To make it easy to find an agent, after completing this quick form, your information is emailed to insurance agents in Columbia who can give free rate quotes to get your business. You don't have to find an agent since rate quotes are delivered immediately to you. You can find lower rates without a big time investment. If for some reason you want to get a comparison quote for a specific company, you would need to go to their quote page and give them your coverage information.

Selecting an company requires you to look at more than just a low price. The following questions are important to ask.

If you're trying to find a reliable insurance agent, you need to know there are two different types of agencies from which to choose. Car insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agents

Exclusive agents can only provide pricing for a single company like State Farm, AAA, and Liberty Mutual. These agents are not able to place coverage with different providers so they have to upsell other benefits. These agents are well trained on the products they sell and that enables them to sell even at higher rates. Drivers often choose to use a exclusive agent mainly due to the brand and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive insurance agencies in Columbia who may provide you with price quote information.

View more Columbia agents

Independent Agencies or Brokers

Agents of this type are not required to write business for one company and that gives them the ability to insure through many different car insurance companies and find you cheaper rates. If they find a lower price, your policy is moved internally and you stay with the same agent. If you are trying to find cheaper rates, we recommend you include price quotes from a couple of independent agencies in order to compare the most rates. Most also have access to different regional companies that many times have cheaper rates.

Below is a short list of independent insurance agencies in Columbia who can help you get price quotes.

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Compare but don't skimp

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn't have enough coverage. Your strategy should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

In this article, we presented many ways to save on Volvo XC90 insurance in Columbia. The most important thing to understand is the more times you quote, the better chance you'll have of finding affordable Columbia auto insurance quotes. Consumers could even find that the most savings is with some of the lesser-known companies.

Some auto insurance companies do not provide price quotes online and most of the time these regional insurance providers only sell through independent insurance agents. More affordable auto insurance in Columbia can be found on the web and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

Additional auto insurance information is available on the following sites: